CUSD vs VTI
CUSD vs VTI
CrossingBridge Ultra-Short Duration ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | CUSD | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.81% | 0.03% | |
| AUM | $11M | $663.5B | |
| Dividend Yield | 13.50% | 1.07% | |
| Holdings | 39 | 3,543 | |
| YTD Return | +3.33% | +14.20% | |
| 1Y Return | +3.82% | +24.16% | |
| 3Y Return (annualized) | +6.84% | +21.12% | |
| 5Y Return (annualized) | - | +12.37% | |
| Volatility (annualized) | 3.0% | 15.3% | |
| Max Drawdown | -5.4% | -56.6% | |
| Fund Family | CrossingBridge | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Sep 20, 2021 | May 24, 2001 |
CUSD vs VTI Performance
CrossingBridge Ultra-Short Duration ETF (CUSD) is a ETF from CrossingBridge and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year CUSD returned +3.82% while VTI returned +24.16%. Year to date, CUSD is up 3.33% versus a gain of 14.20% for VTI.
Over three years, CUSD compounded at +6.84% per year against +21.12% for VTI. Across the full 5-year window we track, VTI has the edge at +8.14% annualized vs +5.93%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 3.0% for CUSD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -5.4% for CUSD and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at -0.03. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
CUSD charges 0.81% per year while VTI charges 0.03%. On a $10,000 position that is $81 vs $3 annually, a gap of $78 per year that compounds over a long holding period. On income, CUSD currently yields 13.50% against 1.07% for VTI.
Holdings Overlap
CUSD and VTI share 1 holdings out of 2817 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in CUSD | Weight in VTI | Difference |
|---|---|---|---|
| AVPT | 4.12% | 0.00% | 4.12% |
Frequently Asked Questions
Which is cheaper, CUSD or VTI?
CUSD has an expense ratio of 0.81% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $78 per year of difference.
Which performed better, CUSD or VTI?
Over the past year CUSD returned +3.82% vs +24.16% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), CUSD annualized +5.93% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, CUSD or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 3.0% for CUSD. Worst drawdown: CUSD -5.4% vs VTI -56.6%.
Should I hold both CUSD and VTI?
CUSD and VTI have a monthly-return correlation of -0.03, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between CUSD and VTI?
CUSD and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2817 unique securities.
Which pays a higher dividend, CUSD or VTI?
CUSD yields 13.50% while VTI yields 1.07%, so CUSD currently pays the higher dividend yield.
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